wait, does anybody remember 1999 when the clinton administration decided to loosen credit requirements with fannie mae and open the flood gates for low income borrowers into the markets, by the way, one of the key contributing factors to the housing crisis in the first place. you know, albert einstein defined insanity as doing the same thing over and over again and expecting a different result. this is just madness, this rhetoric. i mean, the timing is just crazy. i mean, think about the fact that the labor force is at a 30-year low. the economy is anemic and now it's is a good idea to allow people with weak credit back into the housing market? >> it does raise a series of interesting questions, beginning with, we have some sense of why the recession of 2008 began in the first place, the collapse of the subprime credit market. what has this administration done to make that sector safer for the rest of us, anything? >> you know, that's a really good question and i don't have anything that i can think of that they've actually done. now, i will say that they have brilliantly wrapped this